Ames NationalATLO -2.07%60 5-Year Yield-on-Cost % is 2.60 as of Jul. 06, 2026, which is 27% below its 10-year median of 3.54. GuruFocus rates ATLO with a GF Score™ of 60/100 and a GF Value™ of $24.13 (Modestly Overvalued). The stock has 5 warning signs investors should review. Among 1,256 Banks companies, Ames National ranks worse than 72.85% on this metric.
Ames National's yield on cost for the quarter that ended in Mar. 2026 was 2.60.
The historical rank and industry rank for Ames National's 5-Year Yield-on-Cost % or its related term are showing as below:
ATLO'
s 5-Year Yield-on-Cost % Range Over the Past 10 Years
Min: 2 Med: 3.54 Max: 6.01
Current: 2.6
During the past 13 years, Ames National's highest Yield on Cost was 6.01. The lowest was 2.00. And the median was 3.54.
ATLO's 5-Year Yield-on-Cost % is ranked worse than 72.85% of 1256
companies
in the Banks industry
Industry Median: 3.89
vs ATLO: 2.60
Ames National (NAS:ATLO) 5-Year Yield-on-Cost % Explanation
Of course the risk here is that the company may not raise its dividends as it did before. The key is to select the companies that can consistently raise its dividends. Usually companies with long history of raising dividends tend to do so.
Ames National 5-Year Yield-on-Cost % Related Terms
ATLO vs HWBK, FFBB, FXNC: 5-Year Yield-on-Cost % Comparison
For the Banks - Regional subindustry, Ames National's 5-Year Yield-on-Cost %, along with its competitors' market caps and 5-Year Yield-on-Cost % data, can be viewed below:
* Competitive companies are chosen from companies within the same industry, with headquarter located in same country, with closest market capitalization; x-axis shows the market cap, and y-axis shows the term value; the bigger the dot, the larger the market cap. Note that "N/A" values will not show up in the chart.
Ames National 5-Year Yield-on-Cost % vs Banks Industry
For the Banks industry and Financial Services sector, Ames National's 5-Year Yield-on-Cost % distribution charts can be found below:
* The bar in red indicates where Ames National's 5-Year Yield-on-Cost % falls into.
Dividend Yield % and dividend growth of a stock is an important factor for income investors. But if company A raises its dividend constantly faster than company B, company A's future dividend yield might be much higher than Company B's even if their yields are the same now and their stock prices do not change.
Yield on Cost assumes that you buy and the stock today, and hold it for 5 years. If the company raises it dividends at the same rate as it did over the past 5 years, the dividends investors receive annually in 5 years relative to the stock price today.
Therefore, Yield-on-Cost of Ames National is calculated as
Ames National (ATLO) has a 5-Year Yield-on-Cost % of 2.60 as of Jul. 06, 2026. 5-Year Yield on Cost measures the expected yield based on a company's current yield and 5-year dividend growth. View historical data on Ames National and its competitors. This is 27% below median its historical median of 3.54. Over the past decade, Ames National's 5-Year Yield-on-Cost % has ranged from 2.00 to 6.01. According to the industry distribution chart, Ames National ranks #915 out of 1256 companies in the Banks industry, placing it in the top 72.9%.
Is Ames National's 5-Year Yield-on-Cost % too high?
Ames National's current 5-Year Yield-on-Cost % of 2.60 is 27% below median its 10-year median of 3.54. Over the past 10 years, this metric has ranged from a low of 2.00 to a high of 6.01. The Banks industry median 5-Year Yield-on-Cost % is 3.89. Ames National's value of 2.60 is 33.2% below this industry median. Based on the distribution chart, Ames National ranks #915 out of 1256 companies in the Banks industry, which is below the industry midpoint. Overall, Ames National has a GF Score™ of 60/100 and is considered Modestly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Ames National's 5-Year Yield-on-Cost % compare to HWBK and FFBB?
According to the Banks industry distribution chart, Ames National ranks #915 out of 1256 companies for 5-Year Yield-on-Cost %. This places Ames National in the lower half of its industry. The industry median 5-Year Yield-on-Cost % is 3.89. Ames National's value of 2.60 is 33.2% below this benchmark. Historically, Ames National's own 5-Year Yield-on-Cost % has ranged from 2.00 to 6.01 over the past decade. While the company's 10-year median is 3.54 vs. the industry median of 3.89, Ames National has consistently been below the industry average. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good 5-Year Yield-on-Cost % for a Banks company?
The median 5-Year Yield-on-Cost % among Banks companies is 3.89, based on 1,256 companies in the industry. Companies in the top quartile (top 25%) have a 5-Year Yield-on-Cost % significantly above this median, while those in the bottom quartile fall well below. However, 5-Year Yield-on-Cost % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Ames National's current 5-Year Yield-on-Cost % of 2.60 is 33.2% below the industry median. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high 5-Year Yield-on-Cost % mean?
A high 5-Year Yield-on-Cost % can signal that a stock is expensive relative to its fundamentals. 5-Year Yield on Cost measures the expected yield based on a company's current yield and 5-year dividend growth. View historical data on Ames National and its competitors. For the Banks industry, the median 5-Year Yield-on-Cost % is 3.89 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Ames National's current 5-Year Yield-on-Cost % is 2.60, which is 27% below median its own 10-year median of 3.54. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Ames National stock overvalued right now?
Based on GuruFocus' analysis, Ames National (ATLO) is currently considered Modestly Overvalued. The stock's GF Value™ is $24.13, compared to a current price of $28.92 — trading 19.9% above its estimated fair value. The current 5-Year Yield-on-Cost % is 2.60, which is 27% below median its 10-year median of 3.54 and 33.2% below the Banks industry median of 3.89. Ames National's overall GF Score™ is 60/100 with 5 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is 5-Year Yield-on-Cost % calculated?
5-Year Yield-on-Cost % is calculated from a company's financial statements. For Ames National (ATLO), the current 5-Year Yield-on-Cost % is 2.60 as of Jul. 06, 2026. GuruFocus calculates this using data sourced from SEC filings and annual reports. See the calculation section and 30-year financial data on this page for the full breakdown.
Is Ames National (ATLO) Overvalued in 2026?
Based on GuruFocus' analysis, Ames National stock appears to be overvalued.
The current stock price of $28.92 is trading 19.9% above its estimated GF Value™ of $24.13.
GuruFocus considers Ames National to be Modestly Overvalued.
Key valuation signals for ATLO:
5-Year Yield-on-Cost %: 2.60 (27% below median its 10-year median of 3.54)
GF Value™: $24.13 vs. price of $28.92 (19.9% above fair value)
Industry Position: 33.2% below the Banks median (#915 of 1256)
No single metric tells the full story. See the ATLO stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Ames National Corporation is a bank holding company based in the United States. Through its subsidiaries, it provides a range of banking and other financial products and services to customers in Iowa, mainly in Boone, Clarke, Hancock, Marshall, Polk, Story, Taylor, and Union in central, north-central, and south-central Iowa. The Group offers several financial products and services, including checking and savings accounts, time deposits, commercial, construction, and agricultural loans, personal loans, lines of credit, cash management services, merchant credit card processing, safe deposit boxes, and ATM services, among others. It caters to the banking needs of a diverse range of customers, including individuals, businesses, professionals, and enterprises.
60GF Score
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